P.S: My mum asked me this question, I can't figure it out too...People tend to add the RM1 to the debt that they owe... Haha!That's why I will say: This is a ridiculous question... No need think about it! LOL! XD

you shouldn't add up your 1$ that you own to the 98$ that you owe. Wither you sayI owe 98$ MINUS 1$ that I have = 97$ (the price of my shoes) orI owe 97$ worth of shoes PLUS 1$ in my hand so I owe 98$..